RBI Cyber Security Framework in Banks & Master Direction on IT Governance
India's mandatory cybersecurity framework for scheduled commercial banks, NBFCs, and financial institutions regulated by the Reserve Bank of India. Combines the 2016 Cyber Security Framework (24 baseline control areas covering SOC, network security, access control, incident reporting) with the 2023 Master Direction on IT Governance, Risk, Controls and Assurance Practices (ITGRCA) covering IT governance, infrastructure management, risk assessment, BCP/DR, and IS audit. Requires 2-6 hour incident reporting to RBI and CERT-In notification.
AC (21) AT (5) AU (15) CA (8) CM (14) CP (12) IA (12) IR (9) MA (7) MP (8) PE (22) PL (8) PM (25) PS (9) PT (8) RA (7) SA (16) SC (44) SI (22) SR (11)
AC Access Control
| Control | Name | RBI CSF References |
|---|---|---|
| AC-01 | Policy and Procedures | Annex1.8ITGRCA.19ITGRCA.24 |
| AC-02 | Account Management | Annex1.8ITGRCA.19 |
| AC-03 | Access Enforcement | Annex1.8ITGRCA.19 |
| AC-04 | Information Flow Enforcement | Annex1.4Annex1.15ITGRCA.19 |
| AC-05 | Separation of Duties | Annex1.8ITGRCA.19 |
| AC-06 | Least Privilege | Annex1.8ITGRCA.19 |
| AC-07 | Unsuccessful Logon Attempts | Annex1.8 |
| AC-08 | System Use Notification | Annex1.8 |
| AC-10 | Concurrent Session Control | Annex1.8 |
| AC-11 | Device Lock | Annex1.8 |
| AC-12 | Session Termination | Annex1.8 |
| AC-14 | Permitted Actions Without Identification or Authentication | Annex1.8 |
| AC-17 | Remote Access | Annex1.8ITGRCA.20 |
| AC-18 | Wireless Access | Annex1.4ITGRCA.19 |
| AC-19 | Access Control for Mobile Devices | Annex1.8Annex1.12 |
| AC-20 | Use of External Systems | Annex1.8ITGRCA.20 |
| AC-21 | Information Sharing | Annex1.15 |
| AC-22 | Publicly Accessible Content | Annex1.8 |
| AC-23 | Data Mining Protection | Annex1.15 |
| AC-24 | Access Control Decisions | Annex1.8ITGRCA.19 |
| AC-25 | Reference Monitor | Annex1.9 |
AT Awareness and Training
AU Audit and Accountability
| Control | Name | RBI CSF References |
|---|---|---|
| AU-01 | Policy and Procedures | Annex1.16Annex1.17ITGRCA.15 |
| AU-02 | Event Logging | Annex1.16Annex1.17ITGRCA.15 |
| AU-03 | Content of Audit Records | Annex1.17ITGRCA.15 |
| AU-04 | Audit Log Storage Capacity | Annex1.16ITGRCA.15 |
| AU-05 | Response to Audit Logging Process Failures | Annex1.16ITGRCA.15 |
| AU-06 | Audit Record Review, Analysis, and Reporting | Annex1.16Annex1.20Annex1.22 |
| AU-07 | Audit Record Reduction and Report Generation | Annex1.16ITGRCA.15 |
| AU-08 | Time Stamps | Annex1.17 |
| AU-09 | Protection of Audit Information | Annex1.16ITGRCA.15 |
| AU-10 | Non-repudiation | Annex1.17 |
| AU-11 | Audit Record Retention | Annex1.16ITGRCA.15 |
| AU-12 | Audit Record Generation | Annex1.16Annex1.17ITGRCA.15 |
| AU-13 | Monitoring for Information Disclosure | Annex1.16 |
| AU-14 | Session Audit | Annex1.16Annex1.17 |
| AU-16 | Cross-organizational Audit Logging | Annex1.16 |
CA Security Assessment and Authorization
| Control | Name | RBI CSF References |
|---|---|---|
| CA-01 | Policy and Procedures | Annex1.18ITGRCA.22ITGRCA.30 |
| CA-02 | Control Assessments | Annex1.18ITGRCA.26ITGRCA.30 |
| CA-03 | Information Exchange | Annex1.4Annex1.11 |
| CA-05 | Plan of Action and Milestones | Annex1.18ITGRCA.26 |
| CA-06 | Authorization | ITGRCA.5ITGRCA.22 |
| CA-07 | Continuous Monitoring | Annex1.21ITGRCA.21ITGRCA.30 |
| CA-08 | Penetration Testing | Annex1.18ITGRCA.26 |
| CA-09 | Internal System Connections | Annex1.4 |
CM Configuration Management
| Control | Name | RBI CSF References |
|---|---|---|
| CM-01 | Policy and Procedures | Annex1.5ITGRCA.13 |
| CM-02 | Baseline Configuration | Annex1.5 |
| CM-03 | Configuration Change Control | Annex1.7ITGRCA.13 |
| CM-04 | Impact Analyses | Annex1.7ITGRCA.13 |
| CM-05 | Access Restrictions for Change | Annex1.7ITGRCA.13 |
| CM-06 | Configuration Settings | Annex1.5 |
| CM-07 | Least Functionality | Annex1.2Annex1.5 |
| CM-08 | System Component Inventory | Annex1.1ITGRCA.9 |
| CM-09 | Configuration Management Plan | Annex1.1 |
| CM-10 | Software Usage Restrictions | Annex1.2 |
| CM-11 | User-installed Software | Annex1.2 |
| CM-12 | Information Location | Annex1.1 |
| CM-13 | Data Action Mapping | Annex1.15 |
| CM-14 | Signed Components | Annex1.2Annex1.6 |
CP Contingency Planning
| Control | Name | RBI CSF References |
|---|---|---|
| CP-01 | Policy and Procedures | Annex1.19ITGRCA.28 |
| CP-02 | Contingency Plan | Annex1.19ITGRCA.28ITGRCA.29 |
| CP-03 | Contingency Training | ITGRCA.29 |
| CP-04 | Contingency Plan Testing | ITGRCA.29 |
| CP-06 | Alternate Storage Site | ITGRCA.29 |
| CP-07 | Alternate Processing Site | ITGRCA.29 |
| CP-08 | Telecommunications Services | ITGRCA.29 |
| CP-09 | System Backup | ITGRCA.29 |
| CP-10 | System Recovery and Reconstitution | Annex1.19ITGRCA.29 |
| CP-11 | Alternate Communications Protocols | ITGRCA.29 |
| CP-12 | Safe Mode | ITGRCA.28 |
| CP-13 | Alternative Security Mechanisms | ITGRCA.28 |
IA Identification and Authentication
| Control | Name | RBI CSF References |
|---|---|---|
| IA-01 | Policy and Procedures | Annex1.8Annex1.9ITGRCA.19 |
| IA-02 | Identification and Authentication (Organizational Users) | Annex1.8Annex1.9ITGRCA.19 |
| IA-03 | Device Identification and Authentication | Annex1.4ITGRCA.19 |
| IA-04 | Identifier Management | Annex1.8ITGRCA.19 |
| IA-05 | Authenticator Management | Annex1.8Annex1.9ITGRCA.19 |
| IA-06 | Authentication Feedback | Annex1.8 |
| IA-07 | Cryptographic Module Authentication | ITGRCA.16 |
| IA-08 | Identification and Authentication (Non-organizational Users) | Annex1.9 |
| IA-09 | Service Identification and Authentication | Annex1.11 |
| IA-10 | Adaptive Authentication | Annex1.9 |
| IA-11 | Re-authentication | Annex1.8 |
| IA-12 | Identity Proofing | Annex1.9 |
IR Incident Response
| Control | Name | RBI CSF References |
|---|---|---|
| IR-01 | Policy and Procedures | Annex1.19ITGRCA.27 |
| IR-02 | Incident Response Training | Annex1.19Annex1.23ITGRCA.27 |
| IR-03 | Incident Response Testing | Annex1.19ITGRCA.27 |
| IR-04 | Incident Handling | Annex1.19Annex1.22ITGRCA.27 |
| IR-05 | Incident Monitoring | Annex1.19ITGRCA.27 |
| IR-06 | Incident Reporting | Annex1.19ITGRCA.27 |
| IR-07 | Incident Response Assistance | Annex1.19ITGRCA.27 |
| IR-08 | Incident Response Plan | Annex1.19ITGRCA.27 |
| IR-09 | Information Spillage Response | Annex1.19 |
MA Maintenance
| Control | Name | RBI CSF References |
|---|---|---|
| MA-01 | Policy and Procedures | Annex1.7ITGRCA.9 |
| MA-02 | Controlled Maintenance | Annex1.7ITGRCA.9 |
| MA-03 | Maintenance Tools | Annex1.7 |
| MA-04 | Nonlocal Maintenance | Annex1.7ITGRCA.20 |
| MA-05 | Maintenance Personnel | Annex1.7Annex1.11 |
| MA-06 | Timely Maintenance | Annex1.7ITGRCA.9 |
| MA-07 | Field Maintenance | Annex1.7 |
MP Media Protection
| Control | Name | RBI CSF References |
|---|---|---|
| MP-01 | Policy and Procedures | Annex1.12Annex1.15 |
| MP-02 | Media Access | Annex1.12 |
| MP-03 | Media Marking | Annex1.12 |
| MP-04 | Media Storage | Annex1.12Annex1.15 |
| MP-05 | Media Transport | Annex1.12 |
| MP-06 | Media Sanitization | Annex1.12 |
| MP-07 | Media Use | Annex1.12 |
| MP-08 | Media Downgrading | Annex1.12 |
PE Physical and Environmental Protection
| Control | Name | RBI CSF References |
|---|---|---|
| PE-01 | Policy and Procedures | Annex1.3ITGRCA.18 |
| PE-02 | Physical Access Authorizations | Annex1.3ITGRCA.18 |
| PE-03 | Physical Access Control | Annex1.3ITGRCA.18 |
| PE-04 | Access Control for Transmission | Annex1.3ITGRCA.18 |
| PE-05 | Access Control for Output Devices | Annex1.3ITGRCA.18 |
| PE-06 | Monitoring Physical Access | Annex1.3ITGRCA.18 |
| PE-08 | Visitor Access Records | Annex1.3ITGRCA.18 |
| PE-09 | Power Equipment and Cabling | Annex1.3ITGRCA.18 |
| PE-10 | Emergency Shutoff | Annex1.3ITGRCA.18 |
| PE-11 | Emergency Power | Annex1.3ITGRCA.18 |
| PE-12 | Emergency Lighting | Annex1.3ITGRCA.18 |
| PE-13 | Fire Protection | Annex1.3ITGRCA.18 |
| PE-14 | Environmental Controls | Annex1.3ITGRCA.18 |
| PE-15 | Water Damage Protection | Annex1.3ITGRCA.18 |
| PE-16 | Delivery and Removal | Annex1.1 |
| PE-17 | Alternate Work Site | ITGRCA.20 |
| PE-18 | Location of System Components | Annex1.3ITGRCA.18 |
| PE-19 | Information Leakage | Annex1.3 |
| PE-20 | Asset Monitoring and Tracking | Annex1.3ITGRCA.18 |
| PE-21 | Electromagnetic Pulse Protection | Annex1.3 |
| PE-22 | Component Marking | Annex1.3 |
| PE-23 | Facility Location | ITGRCA.18 |
PL Planning
| Control | Name | RBI CSF References |
|---|---|---|
| PL-01 | Policy and Procedures | ITGRCA.4ITGRCA.24 |
| PL-02 | System Security and Privacy Plans | ITGRCA.4ITGRCA.24 |
| PL-04 | Rules of Behavior | ITGRCA.24 |
| PL-07 | Concept of Operations | ITGRCA.4 |
| PL-08 | Security and Privacy Architectures | ITGRCA.4ITGRCA.24 |
| PL-09 | Central Management | ITGRCA.4 |
| PL-10 | Baseline Selection | Annex1.5 |
| PL-11 | Baseline Tailoring | Annex1.5 |
PM Program Management
| Control | Name | RBI CSF References |
|---|---|---|
| PM-01 | Information Security Program Plan | ITGRCA.4ITGRCA.24 |
| PM-02 | Information Security Program Leadership Role | ITGRCA.8ITGRCA.24 |
| PM-03 | Information Security and Privacy Resources | ITGRCA.4ITGRCA.5 |
| PM-04 | Plan of Action and Milestones Process | Annex1.18ITGRCA.26 |
| PM-05 | System Inventory | Annex1.1ITGRCA.9 |
| PM-06 | Measures of Performance | Annex1.21ITGRCA.21 |
| PM-07 | Enterprise Architecture | ITGRCA.4ITGRCA.12 |
| PM-08 | Critical Infrastructure Plan | ITGRCA.4 |
| PM-09 | Risk Management Strategy | ITGRCA.22ITGRCA.25 |
| PM-10 | Authorization Process | ITGRCA.5ITGRCA.6 |
| PM-11 | Mission and Business Process Definition | ITGRCA.4 |
| PM-12 | Insider Threat Program | Annex1.23 |
| PM-13 | Security and Privacy Workforce | ITGRCA.24 |
| PM-14 | Testing, Training, and Monitoring | Annex1.18ITGRCA.26 |
| PM-15 | Security and Privacy Groups and Associations | Annex1.11ITGRCA.10 |
| PM-16 | Threat Awareness Program | Annex1.13 |
| PM-22 | Personally Identifiable Information Quality Management | Annex1.15 |
| PM-25 | Minimization of Personally Identifiable Information Used in Testing, Training, and Research | Annex1.15 |
| PM-26 | Complaint Management | Annex1.14Annex1.23 |
| PM-27 | Privacy Reporting | Annex1.24 |
| PM-28 | Risk Framing | ITGRCA.22ITGRCA.25 |
| PM-29 | Risk Management Program Leadership Roles | Annex1.11ITGRCA.10 |
| PM-30 | Supply Chain Risk Management Strategy | Annex1.11ITGRCA.10 |
| PM-31 | Continuous Monitoring Strategy | Annex1.11ITGRCA.10 |
| PM-32 | Purposing | Annex1.11 |
PS Personnel Security
| Control | Name | RBI CSF References |
|---|---|---|
| PS-01 | Policy and Procedures | Annex1.23ITGRCA.24 |
| PS-02 | Position Risk Designation | Annex1.8 |
| PS-03 | Personnel Screening | Annex1.8 |
| PS-04 | Personnel Termination | Annex1.8ITGRCA.19 |
| PS-05 | Personnel Transfer | Annex1.8ITGRCA.19 |
| PS-06 | Access Agreements | Annex1.8 |
| PS-07 | External Personnel Security | Annex1.11ITGRCA.10 |
| PS-08 | Personnel Sanctions | Annex1.8 |
| PS-09 | Position Descriptions | ITGRCA.8ITGRCA.24 |
PT Personally Identifiable Information Processing and Transparency
| Control | Name | RBI CSF References |
|---|---|---|
| PT-01 | Policy and Procedures | Annex1.15ITGRCA.24 |
| PT-02 | Authority to Process Personally Identifiable Information | Annex1.15 |
| PT-03 | Personally Identifiable Information Processing Purposes | Annex1.15 |
| PT-04 | Consent | Annex1.15 |
| PT-05 | Privacy Notice | Annex1.24 |
| PT-06 | System of Records Notice | Annex1.16 |
| PT-07 | Specific Categories of Personally Identifiable Information | Annex1.15 |
| PT-08 | Computer Matching Requirements | Annex1.15 |
RA Risk Assessment
| Control | Name | RBI CSF References |
|---|---|---|
| RA-01 | Policy and Procedures | ITGRCA.22ITGRCA.25 |
| RA-02 | Security Categorization | Annex1.1ITGRCA.9 |
| RA-03 | Risk Assessment | ITGRCA.22ITGRCA.25 |
| RA-05 | Vulnerability Monitoring and Scanning | Annex1.7Annex1.18ITGRCA.26 |
| RA-07 | Risk Response | ITGRCA.22ITGRCA.25 |
| RA-09 | Criticality Analysis | Annex1.1ITGRCA.9 |
| RA-10 | Threat Hunting | Annex1.13 |
SA System and Services Acquisition
| Control | Name | RBI CSF References |
|---|---|---|
| SA-01 | Policy and Procedures | Annex1.6ITGRCA.12 |
| SA-02 | Allocation of Resources | ITGRCA.11 |
| SA-03 | System Development Life Cycle | Annex1.6ITGRCA.12 |
| SA-04 | Acquisition Process | Annex1.6Annex1.11ITGRCA.10 |
| SA-05 | System Documentation | Annex1.6 |
| SA-08 | Security and Privacy Engineering Principles | Annex1.6ITGRCA.12 |
| SA-09 | External System Services | Annex1.11ITGRCA.10 |
| SA-10 | Developer Configuration Management | Annex1.6ITGRCA.13 |
| SA-11 | Developer Testing and Evaluation | Annex1.6Annex1.18 |
| SA-15 | Development Process, Standards, and Tools | Annex1.6ITGRCA.12 |
| SA-16 | Developer-provided Training | Annex1.6 |
| SA-17 | Developer Security and Privacy Architecture and Design | Annex1.6 |
| SA-20 | Customized Development of Critical Components | Annex1.6 |
| SA-21 | Developer Screening | Annex1.6 |
| SA-22 | Unsupported System Components | Annex1.2Annex1.7 |
| SA-23 | Specialization | Annex1.6 |
SC System and Communications Protection
| Control | Name | RBI CSF References |
|---|---|---|
| SC-01 | Policy and Procedures | Annex1.4ITGRCA.16 |
| SC-02 | Separation of System and User Functionality | Annex1.6 |
| SC-03 | Security Function Isolation | Annex1.6 |
| SC-04 | Information in Shared System Resources | Annex1.4 |
| SC-05 | Denial-of-service Protection | Annex1.4Annex1.13 |
| SC-07 | Boundary Protection | Annex1.4Annex1.15ITGRCA.19 |
| SC-08 | Transmission Confidentiality and Integrity | Annex1.4Annex1.10ITGRCA.16 |
| SC-10 | Network Disconnect | Annex1.8 |
| SC-12 | Cryptographic Key Establishment and Management | ITGRCA.16 |
| SC-13 | Cryptographic Protection | ITGRCA.16 |
| SC-15 | Collaborative Computing Devices and Applications | Annex1.8 |
| SC-17 | Public Key Infrastructure Certificates | ITGRCA.16 |
| SC-18 | Mobile Code | Annex1.2 |
| SC-20 | Secure Name/Address Resolution Service (Authoritative Source) | Annex1.4 |
| SC-21 | Secure Name/Address Resolution Service (Recursive or Caching Resolver) | Annex1.4 |
| SC-22 | Architecture and Provisioning for Name/Address Resolution Service | Annex1.4 |
| SC-23 | Session Authenticity | Annex1.9 |
| SC-24 | Fail in Known State | Annex1.4 |
| SC-25 | Thin Nodes | Annex1.4 |
| SC-26 | Decoys | Annex1.13 |
| SC-27 | Platform-independent Applications | Annex1.4 |
| SC-28 | Protection of Information at Rest | Annex1.15ITGRCA.16 |
| SC-29 | Heterogeneity | Annex1.4 |
| SC-30 | Concealment and Misdirection | Annex1.4 |
| SC-31 | Covert Channel Analysis | Annex1.4 |
| SC-32 | System Partitioning | Annex1.4 |
| SC-34 | Non-modifiable Executable Programs | Annex1.5 |
| SC-35 | External Malicious Code Identification | Annex1.13 |
| SC-36 | Distributed Processing and Storage | ITGRCA.29 |
| SC-37 | Out-of-band Channels | Annex1.4 |
| SC-38 | Operations Security | Annex1.4 |
| SC-39 | Process Isolation | Annex1.4 |
| SC-40 | Wireless Link Protection | Annex1.4 |
| SC-41 | Port and I/O Device Access | Annex1.4 |
| SC-42 | Sensor Capability and Data | Annex1.15 |
| SC-43 | Usage Restrictions | Annex1.12 |
| SC-44 | Detonation Chambers | Annex1.13 |
| SC-45 | System Time Synchronization | Annex1.17 |
| SC-46 | Cross Domain Policy Enforcement | Annex1.4 |
| SC-47 | Alternate Communications Paths | Annex1.4 |
| SC-48 | Sensor Relocation | Annex1.4 |
| SC-49 | Hardware-enforced Separation and Policy Enforcement | Annex1.4 |
| SC-50 | Software-enforced Separation and Policy Enforcement | Annex1.6 |
| SC-51 | Hardware-based Protection | Annex1.5 |
SI System and Information Integrity
| Control | Name | RBI CSF References |
|---|---|---|
| SI-01 | Policy and Procedures | Annex1.13ITGRCA.23 |
| SI-02 | Flaw Remediation | Annex1.7ITGRCA.13 |
| SI-03 | Malicious Code Protection | Annex1.13 |
| SI-04 | System Monitoring | Annex1.4Annex1.13Annex1.16Annex1.20 |
| SI-05 | Security Alerts, Advisories, and Directives | Annex1.7Annex1.13 |
| SI-06 | Security and Privacy Function Verification | Annex1.16 |
| SI-07 | Software, Firmware, and Information Integrity | Annex1.5Annex1.13 |
| SI-08 | Spam Protection | Annex1.10Annex1.14 |
| SI-10 | Information Input Validation | Annex1.6 |
| SI-11 | Error Handling | Annex1.6 |
| SI-12 | Information Management and Retention | Annex1.15 |
| SI-13 | Predictable Failure Prevention | ITGRCA.29 |
| SI-14 | Non-persistence | Annex1.5 |
| SI-15 | Information Output Filtering | Annex1.6 |
| SI-16 | Memory Protection | Annex1.13 |
| SI-17 | Fail-safe Procedures | Annex1.19 |
| SI-18 | Personally Identifiable Information Quality Operations | Annex1.15 |
| SI-19 | De-identification | Annex1.15 |
| SI-20 | Tainting | Annex1.15 |
| SI-21 | Information Refresh | Annex1.15 |
| SI-22 | Information Diversity | Annex1.4 |
| SI-23 | Information Fragmentation | Annex1.4 |
SR Supply Chain Risk Management
| Control | Name | RBI CSF References |
|---|---|---|
| SR-01 | Policy and Procedures | Annex1.11ITGRCA.10 |
| SR-02 | Supply Chain Risk Management Plan | Annex1.11ITGRCA.10 |
| SR-03 | Supply Chain Controls and Processes | Annex1.11ITGRCA.10 |
| SR-05 | Acquisition Strategies, Tools, and Methods | Annex1.11ITGRCA.10 |
| SR-06 | Supplier Assessments and Reviews | Annex1.11 |
| SR-07 | Supply Chain Operations Security | Annex1.11 |
| SR-08 | Notification Agreements | Annex1.18 |
| SR-09 | Tamper Resistance and Detection | Annex1.12 |
| SR-10 | Inspection of Systems or Components | Annex1.18 |
| SR-11 | Component Authenticity | Annex1.6 |
| SR-12 | Component Disposal | Annex1.1 |